Home Loans

Mortgage Studio can assist you in your quest to find the perfect home loan to suit your individual needs. There are a wealth of products available on the market today to suit the needs of home owners. Choose from Variable rates, Fixed rates, or why not split your loan? Mortgage Studio will help you find the best option to suit your needs!

Investment Loans

Purchasing an investment property can be a great way to create and build wealth. The long term viability of investing in property has proven a popular path for many investors. If you have sufficient equity in your owner occupied property, or have a cash sum you are looking to invest, you may fit the criteria to purchase an investment property. Currently there are attractive tax concessions available for investors in real estate. It is a good idea to discuss your options with your accountant or financial planner. Lender requirements vary depending of the location of the investment property sought to be purchased. Call Mortgage Studio today to learn whether you are eligible to purchase an investment property, and indeed what your borrowing power is!

Refinance

The home loan you originally took out when you purchased your property may not be the best loan to suit your current and future requirements. This may be due to a change in lifestyle circumstances, or that there are more suitable home loan products that would be more beneficial for you now and in the future. Many home owners look to consolidate other debts into their home loan at a lower interest rate and improve their ongoing financial position. You may wish to use equity in your home to renovate or redecorate your home, go on a holiday or purchase a new vehicle. Mortgage Studio will assess your options and show you if refinancing, or staying with your current lender is the best option for you now, and in the future.

Construction Loans

Most lenders provide finance for construction loans. It is important to take into account the associated costs that a lender may charge with a construction loan. The majority of lenders would typically charge 4 to 5 progress payments during the construction phase. This could typically add $300-$400 to the cost of a construction loan. Mortgage Studio can explain these costs to you and find the loan that most suits your requirements. Mortgage Studio could even find you a lender who doesn’t charge for progress payments!

Non-conforming Loans

Non-conforming loans can be a excellent alternative source of finance for clients who wouldn’t fit the normal credit guidelines of a typical lender. If you have a poor credit history or have been self employed for less than 2 years, then this type of lender may be suitable. The non conforming market is growing every year and there are some great lenders out there with great products!  If you are worried about your credit history and wish to get back on track, or are self employed and having trouble finding a standard lender who is willing to lend to you, call Mortgage Studio, they have an extensive range of lenders and products for you to consider!

Lo Doc Loans

Lo Doc Loans are ideal for the self-employed clients who are not in a position to produce their financial statements to lenders. Lo Doc loans now make up a large, growing segment of the home loan market. Most lenders now offer Lo Doc loans, however as with all types of scenarios there are lenders who are more competitive than others. Don’t waste your time with one lenders options, call Mortgage Studio and discuss your needs and requirements and match them with our panel of over 30 lenders!

Debt Consolidation

Too many debts? Credit cards maxed out? Struggling to cope with your current financial commitments? There are many reasons for undertaking debt consolidation into your home loan. Personal loans and credit cards typically charge a much higher rate of interest than you would be able to get by consolidating the debt into your home loan. If you want to ease the financial burden, then debt consolidation may be an option for you. An appointment with Mortgage Studio will determine if debt consolidation is your best option. The team will look at your current situation and work with you to find the best  solution to your needs.